Colonial General Insurance Agency, Inc. offers a flexible and comprehensive Wholesalers Insurance program tailored for wholesale and distribution operations with limited retail exposure (no more than 25%, including online retail sales). This program is designed for independent agents and brokers seeking quality markets for clients involved in warehousing, distribution, and wholesale trade across a wide range of product types.
Ideal Accounts and Appetite
This program is best suited for small to mid-sized wholesalers and distributors located in AZ, CA, CO, ID, NV, NM, UT, and WY. Eligible accounts include businesses with a clean loss history, limited retail sales, and no manufacturing exposure. Common classes include food and beverage distributors, electronics wholesalers, industrial supply distributors, and more.
You might have a client who operates a regional distribution center for restaurant supplies or a business that wholesales consumer electronics to retailers — both would be strong fits if their retail exposure remains below the program’s threshold.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary Limits up to $3,000,000 Occurrence/Aggregate
- $5,000 Medical Payments Coverage — Included
- Additional Interests (non-vendor) — Included
- Excess or Umbrella Limits available up to $25,000,000
- No deductible required
Property Coverage Options:
- Basic, Broad, or Special Form available
- Building, Contents, and Business Income
- Computer and Contractor’s Equipment
- Equipment Breakdown and Food Spoilage
- Outside Signs and Valuable Papers
- Accounts Receivable and Replacement Cost or ACV
Crime Coverage:
- Inside the Premises — Theft of Money and Securities
- Inside the Premises — Robbery or Safe Burglary of Other Property
- Outside the Premises
Underwriting Notes
Colonial General can write this coverage on a mono-line or package basis, depending on the needs of the insured. Retail sales must not exceed 25% of total revenue, including web-based sales. The program is available in both admitted and non-admitted markets, depending on the risk and state-specific guidelines.
Territories and Availability
This program is currently offered in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability may vary based on account specifics and carrier appetite.
Why Work With Colonial General?
Colonial General Insurance Agency, Inc. is a Managing General Agency and Excess & Surplus Lines Broker with deep experience in commercial lines across the western U.S. Their wholesalers program is supported by a variety of carriers and offers responsive underwriting, competitive pricing, and broad coverage solutions for hard-to-place or niche accounts. With access to both admitted and surplus lines markets, Colonial General helps agents place business that may not fit standard markets.
Frequently Asked Questions
What types of accounts are a good fit for this Wholesalers Insurance program?
Ideal accounts include wholesale or distribution businesses with no more than 25% retail sales, such as food distributors, electronics wholesalers, and industrial supply companies.
Can I submit an account that sells products online?
Yes, online retail sales are allowed as long as total retail sales (including online) do not exceed 25% of overall revenue.
Is this program available on an admitted basis?
Colonial General offers this program through both admitted and non-admitted markets, depending on the specific risk and location.
What states is this program available in?
This Wholesalers Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
What are the coverage limit options?
Liability limits are available up to $3,000,000 per occurrence/aggregate, with excess or umbrella limits up to $25,000,000. Property and crime coverages include a wide range of customizable options.
Need help placing an account? Connect with a market specialist.